# US 11,443,300 B1 · Systems and methods for ghost card creation via a browser extension > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 11,443,300 B1 - Document ID: US11443300B1 - Status: Granted - Kind: B1 - Application number: 17/175,473 - Filed: 2021-02-12 - Granted: 2022-09-13 - Earliest claimed: 2018-03-01 - Assignees: United Services Automobile Association (USAA) - Applicants: United Services Automobile Association (USAA) - Inventors: Huihui Wu; Alejandra Valles; Darrius M. Jones; Valmore M. Smith; Lonnie B. Roberts - Web page: https://patentgrep.com/patent/US11443300B1 ## CPC - G06Q 20/351: {Virtual cards} - G06Q 20/12: specially adapted for electronic shopping systems - G06Q 20/348: {Single-use cards, i.e. without possibility of recharging} - G06Q 20/354: {Card activation or deactivation} - G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR ## Abstract Embodiments described herein disclose methods and systems for identifying that a user is accessing a retailer or service provider website and automatically enabling an interactive window that includes personalized user information. The system can detect that the user is accessing a payment webpage associated with the website, and, in response, generate a selectable list of payment instruments associated with the user. When the user selects a payment instrument, the system can create an electronic ghost card linked to the payment instrument and the electronic ghost card information can be input into the payment webpage. ## Claims ### Claim 1 A computing system for creating an electronic ghost card for electronic purchases, the computing system comprising: one or more processors; and one or more memories storing instructions that, when executed by the one or more processors, cause the computing system to: detect, via code executing in a web browser, that a user is accessing a payment webpage associated with a retailer or service provider that includes a virtual cart; generate a list of one or more selectable payment instruments, associated with the user, that have not expired, wherein the list includes a recommendation to use one of the payment instruments; place, via the code executing in the web browser, an icon that, when selected by the user, displays the list of one or more selectable payment instruments; receive an indication of a payment instrument, from the list of selectable payment instruments, that was selected by the user; receive, from the user, ghost card parameters that include a credit limit, wherein the credit limit is bounded by a credit limit of the selected payment instrument, wherein the electronic ghost card is created, based on the ghost card parameters, and linked to the selected payment instrument; and automatically enter, in the payment webpage, information associated with the electronic ghost card, wherein the automatically entered information associated with the electronic ghost card is submitted as a transaction request for purchase of items in the virtual cart. ### Claim 2 (depends on 1) The computing system of claim 1, wherein the instructions, when executed by the one or more processors, further cause the computing system to display an account balance of at least one of the one or more selectable payment instruments. ### Claim 3 (depends on 1) The computing system of claim 1, wherein the received ghost card parameters include a value, specified by the user, that defines an expiration date for the electronic ghost card. ### Claim 4 (depends on 1) The computing system of claim 1, wherein the instructions, when executed by the one or more processors, further cause the computing system to: identify that the user is accessing the payment webpage a second time; and automatically enter the information associated with the electronic ghost card when the user accesses the payment webpage. ### Claim 5 (depends on 1) The computing system of claim 1, wherein the electronic ghost card is a one-time use payment card. ### Claim 6 (depends on 1) The computing system of claim 1, wherein the instructions, when executed by the one or more processors, further cause the computing system to enable an interactive window that includes budget information associated with the user. ### Claim 7 (depends on 1) The computing system of claim 1, wherein the received ghost card parameters include a value, specified by the user, that defines whether the electronic ghost card is a one-time use payment card or a multiple-use payment card. ### Claim 8 (depends on 1) The computing system of claim 1, wherein the instructions, when executed by the one or more processors, further cause the computing system to: enable an interactive window that includes personalized information; receive, via the interactive window, a question related to the items in the virtual cart; and cause one or more answers, to the question, to be displayed. ### Claim 9 (depends on 1) The computing system of claim 1, wherein the instructions, when executed by the one or more processors, further cause the computing system to: enable an interactive window that includes personalized information; wherein the list of selectable payment instruments is displayed in the interactive window. ### Claim 10 (depends on 1) The computing system of claim 1, wherein, in response to a transaction request from the retailer using the electronic ghost card, the selected payment instrument, linked to the electronic ghost card, is charged for the transaction. ### Claim 11 A computerized method for creating an electronic ghost card for electronic purchases, the method comprising: detecting, via code executing in a web browser, that a user is accessing a payment webpage associated with a retailer or service provider that includes a virtual cart; generating a list of one or more selectable payment instruments, associated with the user, wherein the list includes a recommendation to use one of the payment instruments; placing, via the code executing in the web browser, an icon that, when selected by the user, displays the list of one or more selectable payment instruments; receiving an indication of a payment instrument, from the list of selectable payment instruments, that was selected by the user; receiving ghost card parameters that include a credit limit, wherein the credit limit is bounded by a credit limit of the selected payment instrument, wherein the electronic ghost card is created, based on the ghost card parameters, and linked to the selected payment instrument; and automatically entering, in the payment webpage, information associated with the electronic ghost card, wherein the automatically entered information associated with the electronic ghost card is submitted as a transaction request for purchase of items in the virtual cart. ### Claim 12 (depends on 11) The computerized method of claim 11, wherein the received ghost card parameters include a value, specified by the user, that defines an expiration date for the electronic ghost card. ### Claim 13 (depends on 11) The computerized method of claim 11 further comprising: identifying that the user is accessing the payment webpage a second time; and automatically entering the information associated with the electronic ghost card when the user accesses the payment webpage. ### Claim 14 (depends on 11) The computerized method of claim 11, wherein the electronic ghost card is a one-time use payment card. ### Claim 15 (depends on 11) The computerized method of claim 11 further comprising displaying an account balance of at least one of the one or more selectable payment instruments. ### Claim 16 (depends on 11) The computerized method of claim 11 further comprising: receiving a question related to the items in the virtual cart; and cause one or more answers, to the question, to be displayed. ### Claim 17 (depends on 11) The computerized method of claim 11 further comprising: displaying an interactive window that includes personalized information; wherein the list of selectable payment instruments is displayed in the interactive window. ### Claim 18 (depends on 11) The computerized method of claim 11, wherein, in response to a transaction request from the retailer using the electronic ghost card, the selected payment instrument, linked to the electronic ghost card, is charged for the transaction. ### Claim 19 A non-transitory computer-readable storage medium storing instructions that, when executed by a computing system, cause the computing system to perform a process for creating an electronic ghost card for electronic purchases, the process comprising: detecting, via code executing in a web browser, that a user is accessing a payment webpage associated with a retailer or service provider that includes a virtual cart; generating a list of one or more selectable payment instruments, associated with the user, wherein the list includes a recommendation to use one of the payment instruments; placing, via the code executing in the web browser, an icon that, when selected by the user, displays the list of one or more selectable payment instruments; receiving an indication of a payment instrument, from the list of selectable payment instruments, that was selected by the user; receiving ghost card parameters that include a credit limit, wherein the credit limit is bounded by a credit limit of the selected payment instrument, wherein the electronic ghost card is created, based on the ghost card parameters, and linked to the selected payment instrument; and automatically entering, in the payment webpage, information associated with the electronic ghost card, wherein the automatically entered information associated with the electronic ghost card is submitted as a transaction request for purchase of items in the virtual cart. ### Claim 20 (depends on 19) The non-transitory computer-readable storage medium of claim 19, wherein the process further comprises: identifying that the user is accessing another webpage; and automatically entering the information associated with the electronic ghost card when the user accesses the other webpage.